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I'm sure it depends on the policy? I'm told anything insurable on it's own, like the Caddy for instance, likely not covered. That would require a comprehensive or storage policy of it's own? I am told maintenance equipment (even a compact utility tractor w/loader for instance) are insured under the homeowners policy.

FWIW, something I do on occasion, is walk through with a digital camera (once a year?) and snap pics of EVERYTHING (including serial number plates if present), so documenting a loss (god forbid!) will be much easier. -Al

I'm sure it depends on the policy? I'm told anything insurable on it's own, like the Caddy for instance, likely not covered. That would require a comprehensive or storage policy of it's own? I am told maintenance equipment (even a compact utility tractor w/loader for instance) are insured under the homeowners policy.

FWIW, something I do on occasion, is walk through with a digital camera (once a year?) and snap pics of EVERYTHING (including serial number plates if present), so documenting a loss (god forbid!) will be much easier.
-Al

Good idea ... as an "extra" I use a vidcam and shoot a front page of today's newspaper, zooming to the date, within each room. Belt + Suspenders ... maybe.

thanks gang, just got the final payout for the garage,I had 4 qoutes to rebuild it at average of $60,000 Insurance said they will go $32,800 less the clean up charge of $12,600. leaves me with not enough to rebuild it, Underinsured they say !Had made partial list of tools I could remember of $89,000 , they havnt said what they will pay for those yr?so will do like my Father did, buy rough lumber from a local sawmill and build myself.with the help of some of my retired friends, carpenter,electrician,plumber, maybe do it for $20,000 .00 and its going to be 12 ft high too, to get the olevangaurd in the garage.

thanks gang, just got the final payout for the garage,I had 4 qoutes to rebuild it at average of $60,000 Insurance said they will go $32,800 less the clean up charge of $12,600. leaves me with not enough to rebuild it, Underinsured they say !Had made partial list of tools I could remember of $89,000 , they havnt said what they will pay for those yr?so will do like my Father did, buy rough lumber from a local sawmill and build myself.with the help of some of my retired friends, carpenter,electrician,plumber, maybe do it for $20,000 .00 and its going to be 12 ft high too, to get the olevangaurd in the garage.

Did you take on the cleanup yourself? I know you could probably do that for less.

RGB porch lite strip - $18.00 Supernight with RGB remote control. They also remember the led setting when light power is removed ( using the inside light switch) So turning the LEDs to their last setting was as easy as flipping the wall switch.

Also bought a new porch light and installed controller and ir receiver within it. New light has a switch so it's easy to run one the ther r both lights.